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Nicely calculated... But home ownership was a matter of the heart for me 5 years ago. I like privacy, love gardening (flowers grow with steady care - like finances ;) ), like to have my peace and quiet, need space, have several cars, work in building design, don't like a warm pad in summer (unavoidable in rental blocks).... Yes, the cost is high... But I love it! But also have rental properties and their rental income pays for the home :P With home ownership, you can face extreme costs if you buy the wrong home or have the wrong developer!
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@Bull56 you describe the probably most important aspect in the consideration, the lifestyle decision. I think under this aspect, most buy or rent decisions are made - and if home ownership is important to you, that is also exactly the right decision. Congratulations that you have already made the right decision for you for 5 years at much more humane prices 👍
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@Bull56 In the rental block you can also put a mobile split air conditioner. Sure heat pump is better but the point would not be a big criterion for me.